Has The Business Or Business Owner Filed Bankruptcy In The Past 5 Years*

Are There Any Outstanding Tax Liens Over $1,500*

Method of Sale*

In Store

In Home (By Appointment)

In Home (Door to Door)

Phone Sales

Mail Order

Ecommerce

select all that apply

Delivery Method*

Pick Up In Store

Installation In Store

Installation At Home

In Office Procedure/Service

Other

select all that apply

Delivery/Completion Time Frame*

Expected Average Finance Amount (per sale)*

Expected Maximum Finance Amount (per sale)*

Currently Offer Financing (Yes or No)*

List Finance Companies

Program Selection

Select the programs that you wish to apply for. Approval may be subject to many factors including specific business type, financial profile of business, business background, etc.

Please note: Credit Select Plus must be selected and is the core program offered by Flexxbuy.

*

Credit Select Plus: Direct to Borrower : Credit Based Platform

Muti-lender platform that provides approvals to individuals with credit scores as low as 500 and for amounts up to $50,000. Maximum terms of 60 months. Interest rates will vary from 5.99% to 32.99% (other rates may apply), subject to borrower credit. Funds are funded directly to the borrower who then pays the merchant.

Customer Process: Applications are submitted through a unique loan application link provided to the business. An instant decision is provided and emailed to the borrower, as well. Pre-approvals may be subject to verification of certain information provided on the loan application. Final approval/funding can take from 1 to 7 days, depending on the diligence of the borrower

Cost to Business: 3.9% of funded loan (less any eligible rebates, see below) of business invoiced or collected amount, whichever is lower, plus a $49 administration fee deducted from business approximately 10 days post funding

Note: It is highly suggested that the Business collect a reasonable deposit upon pre-approval of the loan to solidify the customer relationship.

Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.). Proof of business requirement can be waived upon Flexxbuy management decision.

Note: This Program Is Intended For Retail Consumer Goods Businesses Only

Muti-lender platform that provides approvals to individuals with credit scores as low as 500 and for amounts up to $50,000. Maximum terms of 60 months. Interest rates will vary from 5.99% to 32.99% (other rates may apply), subject to borrower credit. Funds are funded directly to the borrower who then pays the merchant.

Customer Process: Applications are submitted through a unique loan application provided to the business. An instant decision is provided and emailed to the borrower, as well. Pre-approvals are subject to verification of certain information provided on the application. Final approval/funding can take from 1 to 7 days, depending on the diligence of the borrower

Cost to Business: A $49 administration fee deducted from business within 10 days post funding

Note: It is highly suggested that the Business collect a reasonable deposit upon pre-approval of the loan to solidify the customer relationship.

Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.). Proof of business requirement can be waived upon Flexxbuy management decision.

Program 2: Direct to Merchant: Credit Based Financing Option

Description: Muti-lender platform that provides approves to individuals with credit scores as low as 620 and for amounts up to $20,000 ($35,000 for Medical). Maximum terms of 60 months. Interest rates will vary from 10.98% to 26.98% , subject to borrower credit. All loans include a 0% six month promotion. Funds are funded directly to the merchant. All sales must be made face-to-face. No Home Based Businesses

Customer Process: Applications are submitted through a unique loan application provided to the business. The business or applicant complete the application. The merchant is funded directly, usually within 3 business days after the delivery of the product or completion of the service and upon borrower verification.

Business Criteria: Minimal annual revenue of $100,000 . No Home Based Businesses. Strict vetting. 2 Years in Business Preferred (less if business is strong) Website required. Positive reviews and background check. Not available in Connecticut, New York and Vermont

Cost to Business: 10% discount (medical is 0% for A,B Credit Borrowers, 6.9% others) deducted from payment to Business .

Description: Single Application Direct to Merchant lending solution that approves consumers with credit scores as low as 580, amounts from $500 to $10,000 . There are three industry and merchant dependent risk catrgories that will determine merchant funding discount cost and applicant's loan interest rate. The interest rate will vary between 26.99% and 28.99%, based on merchant's determined risk category.Same-as-cash (0%) promotional offers can be made to borrower at merchant's discretion. Addition cost to merchant will apply. The maximum term is 48 months. The business is funded directly after delivery of the product or service and upon borrower verification. Process can be completed at point of sale. Business is funded directly in approximately 3 to 5 business days.

Customer Process: Applications are submitted through a unique loan application provided to the business. The business or applicant complete the application. Upon approval, the business collects certain information from the applicant and presents it back through the portal. The merchant is funded directly, usually within 3 to 5 business days after the delivery of the product or completion of the service and upon borrower verification. Discount will be deducted from merchant's funded amount.

Business Criteria: Minimum of 1 year in business. Minimum Annual Sales of $500,000 ($1 million preferred). No bankruptcies in last 2 years. Must pass business review (business credit report pulled) and have good reviews on-line. Must be in approved industries. This program is intended for well established businesses.

Cost to Business: There are three risk categories of approved industries. Standard pricing is 2% (Category A), 3% (Category B), and 7% (Category C). Category C includes 6 mos same as cash (0%) at standard pricing. Same as cash promotions are available at additional cost to the merchant: 6 mos (+2%), 12 mos (+5%), 18 mos (+8%), 24 mos (+10%). There are slight variations per category. All are approximate.

Category Breakdowns: Category A: Most Home Improvement and Selective Medical (Medspa, Audiology, Dentistry, Vision, Fertility) Category B:Most Medical, Most Consumer Goods, Funeral Homes, Travel Category C:Auto Repair, Any medical Deemed Risky, Any Consumer Goods Deemed Risky, Vocational Schools, Professional Services Note: Acceptance in general and acceptance into a specific category are subject to the discretion of the lending company

Documents Required (from business): Flexxbuy Merchant Application (lender terms will be sent to the merchant for execution after receipt of application), voided check, business license (valid contractor license in home improvement and medical certification for medical), acceptable return/cancellation/warranty policy, pictures of inside and outside of business, photo id

Program 33: No Credit Check Lease Purchase Alternative

Description: No credit check lease purchase option for most consumer goods (excluding cell phones). Five month renewable term. A 90 day quick pay option is available. Amounts up to $1,500 (high volume, well established businesses may get up approved up to $3,500. Pre-pay debit cards are acceptable for qualified businesses, others will require customers to have a valid checking account.

Customer Process: Application can be made in store (ecommerce solution available). Instant decisions provided. Business provides sales receipt/invoice and borrower's photo id. Funding to business is done in 3 to 5 days. Merchandise must be in possession of customer prior to funding. First payment is paid by customer at time of sale.

Business Criteria: Most consumer goods businesses acceptable. Business must be in good standing (BBB, on-line search, etc.) and up to date with the Secretary of State. Must be in business a minimum of two years and have a minimum of $500,000 in annual revenue.

Cost to Business: Furniture, Mattress, Appliances 1.5% taken from business funding amount Electronics 3% taken from business funding amount Jewelry 5.5% taken from business funding amount Auto, Optical 5% taken from business funding amount Other 2% taken from business funding amount

Description: No credit check lease purchase option for furniture, appliances, electronics (including TVs, laptops, tablets and smart phones). Amounts up to $5,000 ($6,000 for HVAC and Water Heaters). For HVAC/Water Heaters, can include cost of entire job, including installation. Term from 12 to 24 Months (based on lease amount). 90 Day SAC (pay no fees if paid off in 90 days). $49.95 due at signing (Option A- Lower Offer) or First payment due at signing(Option B- Higher Offer)-paid to retailer.

Customer Process: Application made in store. Instant decisions provided. Business provides sales receipt/invoice and borrower's photo id. Customer pays $49.95 or first lease payment to the store . Funding upon delivery of merchandise.

Business Criteria: Business must be in good standing (BBB, on-line search, etc.) and up to date with the Secretary of State. Must be in business six months with one additional LTO platform or 1 year without. No Home Based Businesses.

Cost to Business: 1% taken from business funding amount by finance company. For HVAC, customer pays a 5% security deposit that is refunded at the conclusion of the lease. No Post Funding Fee

Decision time: 10 to 14 days after receipt of all docs and submission to lender

Not available in the following states: Alaska, Arizona, Delaware, Hawaii, Idaho, Illinois, Minnesota, Montana, Nebraska, New Jersey, New Mexico, New York, North Dakota, Oregon, Rhode Island, South Dakota, Washington, West Virginia, Wisconsin, Wyoming

Program 8: In-Store POS Instant Visa Credit Card Gross

Description: Prime credit card lines of credit up to $10,000, subject to income and credit. This is a revolving line of credit that can only be used immediately upon approval. No payments, no interest on purchases over $199 if paid in full within 6 months. APR 19.99% if not paid within 6 months. 2% cash back on all purchases, automatically. There is no cost to merchant other than normal credit card transactions. Point of Sale Materials are provided. This is strictly a value added lender and minimal support by us is available.

Customer Process: (1) Customer completes application from own phone in store or home at time of sale. (2) A decision is rendered within seconds. (3) Approval is shown to business's sales representative. (4) credit card transaction is processed (5) Funds are settled through credit card processing provider. No payment due at time of sale. No checking account required.

Business Criteria: Very selective. Lender prioritizes large businesses. Decisions on merchant approvals are unpredictable. It's totally based on the whim of the lender rep. Ecommerce businesses or businesses that sell on-line are given preferred treatment in approval process.

Description: Sub-prime lease purchase programs for amounts from $500 to $100,000. It can be used for commercial products only. Terms from 24 to 60 months. Credit scores as low as 550 accepted. Lessee pays a $125 admin fee at time of funding on amounts under $3,500. There is no early payoff promotion option.

Customer Process: Application is submitted by borrower or business through an application provided by Flexxbuy. Typically, 15 minute decision during business hours. If lessee accepts terms, business provides as invoice to Flexxbuy. Executed lease documents are then returned to Flexxbuy for submission to the lender. Process can take 1 or 2 business days. First payment and incidentals due at time of funding. All payments can be made via check or credit card/debit card. No checking account is required.

Business Criteria: Business must be in good standing. New businesses accepted.

Cost to Business: Business received 100% of sales invoice.

Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.)- additional docs may be requested by lender at their discretion

Decision time: 2 to 3 days.

Program 47: Sub-Prime Lease Purchase Specialty Program

Description: Sub-prime lease purchase programs for amounts up to $5,000. Terms is 12 months (24 month term on leases over $1,000) with a 90 day quick pay payoff promotion available. Dynamic pricing starting at approximately 10% (subject to credit). Credit scores as low as 550 accepted. In person sales only.

Customer Process: Application is submitted by borrower or business through a unique application . Instant decisions provided. Signed agreement and copy of id required. Customer must have a valid checking account that is at least 60 days open in good standing. First payment taken at time of approval/acceptance. Funding to business in 3 to 5 business days.

Business Criteria: Business must be in good standing .

Cost to Business: Business received 100% of sales invoice (except for car audio, which has a prefunding discount of 2.99%). There is a 3% post funding fee charged by Flexxbuy Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.), picture of inside/outside of business .

No furniture stores in NY. No jewelry stores in Tx, NC, SC

Program 46: Sub-Prime Lease Purchase Program (consumer goods)

Description: Sub-prime lease purchase programs for amounts from $200 up to $6,000. Term is up to 36 months. Credit scores as low as 550 accepted. In person, web based and ecommerce sales . 30 days SAC (60 days for furniture). Better terms and lower payments than other lease programs. Bi-weekly consumer payments. Initial deposit of first bi-weekly payment. No pre-payment penalty and discounts for early payoff. Consumer owns the product at end of lease.

Note: This program can take a few hours or even a day until the consumer is cleared and funded. If business needs to complete the sale at the counter, this may not be ideal

Customer Process: Application is submitted by borrower or business through a unique application on any device with internet access . Lender call customer within 5 to 10 minutes. Total transaction time approximately 15 minutes. Signed agreement and copy of id required. Customer must have a valid checking account for three months; Net monthly income of at least $1,300; 1 year current employment. Funding to business in 3 to 5 business days.

Business Criteria: Business must be in good standing . New business acceptable. No revenue requirement. Home based businesses acceptable. Phone and web based businesses acceptable. All consumer goods except for power sports, cell phones (laptops, computers, ok), Home Improvement (Heating and air conditioning products ok- no services)

Cost to Business: Business received 97% of sales invoice (3% discount)

Description: Prime to Sub-prime loan program for amounts from $350 up to $7,500. Terms is up to 36 months (depending on loan amount). Dynamic pricing starting at 9.99% to a maximum of 32% Interest rate (subject to credit and state requirements). Credit scores as low as 550 accepted. 60 Day Interest Free Window. Point of Sale Materials are provided. Lender can integrate with most Service Marketing vendors.>br> Customer Process: (1) Customer completes application on-line (any device) in repair shop or home. (2) An instant decision is provided. (3) Service center completes the vehicle repair. (4) Customer e-signs Loan Document (5) Funds are ACH'd into service center within 48 hours. No payment due at time of sale. Customer has a 60 day interest free window to pay off loan.

Business Criteria: Business must be in good standing . Standard background check completed.

Cost to Business: Business received 95.5% of sales invoice (4.5% Discount).

There is a lender setup fee and monthly minimum (collected directly by lender) fee as follows**:

Description: Prime to Sub-prime loan program for amounts from $800 up to $5,000. This is a revolving line of credit that can only be used in the approved store Terms is up to 36 months (depending on loan amount). Interest rate or 36% to 39% (subject to credit and state requirements). Credit scores as low as 550 accepted. 6 or 12 month Interest Free Window available. Point of Sale Materials are provided.

Customer Process: (1) Customer completes application on-line (any device) in repair shop or home. (2) An instant decision is provided. (3) Service center completes the vehicle repair. (4) Customer e-signs Loan Document (5) Funds are ACH'd into service center within 48 hours. No payment due at time of sale. No checking account required.

Business Criteria: Business must be in good standing . Standard background check completed.

Decision time: 7 to 10 business days after signed lender agreement and receipt of all required docs.

Available in All 50 States

Owner Information

Name*

FirstLast

Title*

Home Address*

Street AddressAddress Line 2CityStateZIP Code

Cell Phone*

Email Address*

Date of Birth*

Percent Ownership*

Social Security Number*

Is There Another Owner?*

Name

FirstLast

Title

Home Address

Street AddressAddress Line 2CityStateZIP Code

Cell Phone

Email Address

Date of Birth

Percent Ownership

Social Security Number*

Terms and Conditions/Payment Authorization

1. Relationship with FLEXXBUY, LLC (hereinafter called “FLEXXBUY”)
1.1 Your use of FLEXXBUY’s software, services and promotional images including but not limited to
“Icons” referred to collectively as the “Services” is subject to the terms and conditions set forth
in this legal "Agreement" between you and FLEXXBUY. Icons include buttons, icons, banners and
similar items provided by FLEXXBUY in connection with providing the Services.
1.2 Participating Merchant is a Client of FLEXXBUY and is utilizing FLEXXBUY’s software and lenders
to process Customer/Borrower loan applications. The technology used in the platform was created by
FLEXXBUY, LLC whose principal place of business is 540 NW university Blvd, Ste 209, Port St
Lucie, Fl 34986. This “Agreement” sets out the “Terms and Conditions” (“Terms”) governing the use
of the Services.
2. Acceptance of Terms
2.1 By clicking "Accept", or executing and returning this Agreement, Merchant agrees to be bound by
the terms, conditions, and warranties of this Agreement.
2.2 Merchant warrants that they have the capacity to form a binding contract with FLEXXBUY; and are
not barred from receiving the Services under the laws of the United States.
2.3 Once you accept the Terms, FLEXXBUY may seek approval from one or more of the financial
institutions it works with that may issue credit to your eligible customers that may apply. The
Merchant acknowledges and understands that a financial institution that FLEXXBUY has a relationship
with may offer credit to your customers and FLEXXBUY is not responsible for examining or evaluating
such offerings and FLEXXBUY does not warrant the offerings of any financial institution. FLEXXBUY
will determine whether, in their sole and absolute discretion, to approve an applicant as a Merchant
and to provide the Services as is and where is. Merchant agrees that upon acceptance of the Terms,
Merchant shall be obligated to pay to FLEXXBUY those amounts as captioned in this Application, Agreement and
Payment Authorization for Set Up Fees, Monthly Fees and Transaction Fees. Merchant agrees that
FLEXXBUY may change, modify, or waive any fees in their sole and absolute discretion, and
notification of such changes shall be submitted to Merchant via electronic means. By continuing to
utilize the Services, Merchant agrees to such changes in pricing. Should Merchant wish to reject
revised changes, they may do so by exercising their Termination option captioned in 9.2.
3. License from FLEXXBUY
3.1 FLEXXBUY grants you a royalty-free, non-transferable and non-exclusive license to use the
FLEXXBUY Icons provided to you by FLEXXBUY as part of the Services.
3.2 Unless FLEXXBUY has given you specific written permission to do so, you may not assign or
transfer (or grant a sub-license of) your rights to use the Services, grant a security interest in
or over your rights to use the Services, or otherwise transfer any part of your rights to use the
Services.
4. Merchant Representations
4.1 Merchant represents and warrant that they are engaged in legal activities conducted in
compliance with all applicable laws; the use of this Service does not violate any licensing or other
law, rule or regulation that governs their business (including but not limited to those governing
financial services, consumer protection, unfair competition, anti-discrimination,
and false advertising); they are not engaged in any consumer fraud or deceptive trade practice; they
agree that the products and/or services do not violate any local, State or Federal law, rule or
regulation; and the Services will be used only to facilitate the purchase of goods and services
offered for sale in the ordinary course of their business.
5. Use of the Services
5.1 In order to access the Services, Merchant may be required to provide information about the
company and owner(s),including but not limited to information provided in the “Merchant
Application,” Merchant agrees that any registration information given to FLEXXBUY will be accurate,
correct and up to date.
6. Privacy and Your Personal Information
6.1 For information about data protection practices as it applies to Merchant accounts, please read
FLEXXBUY’s privacy policy at http://www.flexxbuy.com/privacy-policy .This policy explains how
FLEXXBUY treat Merchant's personal information when the Services are used.
7. Proprietary Rights and Intellectual Property
7.1 Merchant acknowledges and agrees that FLEXXBUY (or FLEXXBUY’s licensors including banks,
financial institutions and other companies that FLEXXBUY works with in relation to providing the
Services) own all legal right, title and interest in and to the Services, including any intellectual
property and any related rights which subsist in the Services (whether those rights happen to be
registered or not, and wherever in the world those rights may exist).
7.2 Merchant understands and agrees that they cannot and will not mention or use FLEXXBUY’s name or
the names of any of its licensors that may provide the Services in any of your marketing materials
without the prior written consent of FLEXXBUY. Notwithstanding the preceding sentence, you may use
the Icons supplied to you by FLEXXBUY on your website(s) as set forth in this Agreement.
7.3 Merchant agrees that all Icons relating to the Services are the property of FLEXXBUY and are
protected by copyrights, trademarks, trade secrets, or other proprietary rights and these rights are
valid and protected in all forms, media and technologies existing now or hereinafter developed,
regardless of whether or where such rights are filed. You may not modify, remove, delete, augment,
add to, publish, transmit, participate in the transfer or sale of, create derivative works from,
or in any way exploit any Icon, in whole or in part. Any use other than as contemplated herein,
including the reproduction, modification, distribution, transmission, republication, display, or
performance, of the content on FLEXXBUY’s site or the Icons, except as specifically permitted
herein, is strictly prohibited. All other marks, names, and logos mentioned on FLEXXBUY’s site or in
the Icons are the property of their respective owners and similarly may not be used, modified, or
altered in any way whatsoever.
8. Provision of the Services by FLEXXBUY
8.1. Merchant acknowledges and agrees that the form and nature of the Services that FLEXXBUY
provides may change from time to time without prior notice to you.
8.2 Merchant acknowledges and agrees that FLEXXBUY may stop (permanently or temporarily) providing
the Services (or any features of the Services) at FLEXXBUY’s sole and absolute discretion, without
prior notice.
8.3 Merchant may not assign or otherwise transfer this Agreement. By participating in the Program,
Merchant authorizes FLEXXBUY and its technology providers/lending institutions to use your contact
information to communicate with you about the program and FLEXXBUY services generally. FLEXXBUY may
assign part, or all, of its rights, duties,and obligations under this agreement, and if so assigned,
FLEXXBUY shall provide notification to Merchant of any such change.
9. Termination
9.1 The Terms will apply beginning on the date you click "Accept" or execute and return the
Agreement to FLEXXBUY and will continue to apply until terminated by either you or FLEXXBUY as set
forth below.
9.2 Merchant may terminate their legal agreement with FLEXXBUY, by (a) notifying FLEXXBUY with at
least thirty (30) days’ notice; and (b) permanently removing all Icons from their websites. The
notice must be sent, in writing, to FLEXXBUY’s address which is set out in Section 1.2 above, or
delivered by electronic means to info@flexxbuy.com or fax to 772-224-3283.
9.3 FLEXXBUY may at any time, terminate its legal agreement with you if:
(a) You have breached any provision of the Terms (or have acted in a manner which clearly shows that
you do not intend to, or are unable to comply with the provisions of the Terms); or
(b) FLEXXBUY is required to do so by law (for example, where the provision of the Services to you is
or becomes unlawful); or
(c) A financial institution with whom FLEXXBUY offered the Services to you has terminated its
relationship with FLEXXBUY or ceased to offer the Services to you.
9.4 When these Terms come to an end, all of the legal rights, obligations and liabilities that you
and FLEXXBUY have benefited from, been subject to (or which have accrued over time while the Terms
have been in force) or which are expressed to continue indefinitely, shall be unaffected by a
Termination, and the provisions of paragraph 11, 12 and 13 shall continue to apply to such rights,
obligations and liabilities indefinitely.
10. Relationship Among the Parties
10.1 The parties agree that they are each independent contractors and nothing contained within this
Agreement will create any partnership or joint business venture, agency or franchise, sales
representative, or employer / employee relationship. Merchant shall not have any authority to make,
accept, or solicit any offer or representation on behalf of FLEXXBUY or any of its financial
institutions. Merchant shall not make any verbal, written, or electronic statement that may
contradict this stated relationship of the parties.
11. Limitation of Liability
11.1 MERCHANT AGREES THAT FLEXXBUY AND ITS TECHNOLOGY PROVIDERS AND FINANCIAL INSTITUTIONS THAT MAY
PROVIDE THE SERVICES SHALL NOT BE LIABLE FOR ANY DAMAGE, LOSS, OR EXPENSE OF ANY KIND ARISING OUT OF
OR RESULTING FROM MERCHANT'S USE OF THE SERVICES REGARDLESS OF WHETHER SUCH LIABILITY IS BASED IN
TORT, CONTRACT, OR OTHERWISE. IN NO EVENT, INCLUDING WITHOUT LIMITATION A NEGLIGENT ACT, SHALL
FLEXXBUY OR ANY OF ITS TECHNOLOGY PROVIDERS AND FINANCIAL INSTITUTIONS BE LIABLE TO YOU FOR ANY
DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING WITHOUT
LIMITATION, LOSS OF PROFITS, LOSS OR CORRUPTION OF DATA, LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER
FAILURE, OR INTERRUPTION OF BUSINESS), ARISING OUT OF OR IN ANY WAY RELATED TO THE SERVICES OR
INABILITY TO USE THE SERVICES GENERALLY, OR OTHERWISE IN CONNECTION WITH THIS AGREEMENT, REGARDLESS
OF WHETHER FLEXXBUY OR ANY OF ITS TECHNOLOGY PROVIDERS AND FINANCIAL INSTITUTIONS HAVE BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES DO NOT ALLOW THE LIMITATION OF
LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
12. Merchant Indemnification
12.1 Merchant and Flexxbuy each agrees to indemnify, defend and hold each other and its directors,
officers, employees, agents, shareholders, partners, members, technology providers, financial
institutions, and associates from and against any and all claims, suits, actions, demands, injuries,
liabilities, losses or deficits, damages, judgments, settlements, costs, or expenses arising out of
or related in any way to the action of the other party as it pertains to the use of this Services.
The terms of this provision shall survive termination of this Agreement.
13. Confidentiality/Non-Compete/Non Circumvent
13.1 All FLEXXBUY information, pricing, agreements, correspondence, content, marketing technique,
publicity technique, public relations technique, process, technique, algorithm, program, design,
drawing, mask work, formula, test data research project, work in progress, future development,
engineering, manufacturing, marketing, servicing, financing or personal matter relating to the
disclosing party, its present or future products, sales, suppliers, clients, customers,
employees, investors or business, whether in oral, written, graphic or electronic form and any
information you acquire in relation to this Agreement and using the Services (other than using the
Icons in the manner permitted in this Agreement) shall remain Strictly Confidential and shall not be
used, directly or indirectly, by you or any third party for your own business purposes.
The term "Strictly Confidential" shall not be deemed to include information that (i) is now, or
hereafter becomes, through no act or failure to act on the part of the receiving party, generally
known or available information, (ii) is known by the receiving party at the time of receiving such
information as evidenced by its records, (iii) is hereafter furnished to the receiving party by
a third party, as a matter of right and without restriction on disclosure, (iv) is independently
developed by the receiving party without reference to the information disclosed hereunder, or (v) is
the subject of a written permission to disclose provided by the disclosing party.
Notwithstanding any other provision of this Agreement, disclosure of Strictly Confidential
Information shall not be precluded if such disclosure:
(a) is in response to a valid order of a court or other governmental body of the United States or
any political subdivision thereof,
(b) is otherwise required by law, or,
(c) is otherwise necessary to establish rights or enforce obligations under this agreement, but only
to the extent that any such disclosure is necessary. In the event that the receiving party is
requested in any proceedings before a court or any other governmental body to disclose Strictly
Confidential Information, it shall give the disclosing party prompt notice of such request so that
the disclosing party may seek an appropriate protective order. If, in the absence of a protective
order, the receiving party is nonetheless compelled to disclose Strictly Confidential Information,
the receiving party may disclose such information without liability hereunder, provided, however,
that such party gives the disclosing party advance written notice of the information to be
disclosed and, upon the request and at the expense of the disclosing party, uses its best efforts to
obtain assurances that confidential treatment will be accorded to such information.
Merchant agrees not to circumvent, bypass, solicit, or accept solicitation from any technology
provider or financial institution source that has/have/will have a financial relationship with
FLEXXBUY, and which relationship is disclosed to Merchant by FLEXXBUY, during the term of this
contract and for a twelve (12) month period after Merchant's Termination under 9.2 without the
written permission of FLEXXBUY. Merchant also agrees not to enroll in any financial institution
program affiliated now or hereafter with the Services during the Term of this contract and a period
of twelve (12) months after a Termination under 9.2 Merchant agrees that any violation or threatened
violation of this provision may cause irreparable injury to FLEXXBUY and FLEXXBUY is entitled to
seek injunctive relief, equitable relief and all legal remedies available to enforce the
provisions of this Agreement.
14. Changes to the Terms and Acceptance
14.1 FLEXXBUY may, in its sole and absolute discretion, make changes to the Terms from time to time.
When these changes are made, FLEXXBUY will make available to you any new
Additional Terms from within, or through, the affected Services.
14.2 You understand and agree that if you use the Services after the date on which the Terms have
changed, FLEXXBUY will treat your use as acceptance of the updated Terms, unless however, you
exercise your Termination option captioned in 9.2.
15. General Legal Terms
15.1 The Terms constitute the entire legal agreement between you and FLEXXBUY and governs your use
of the Services (but excluding any services which FLEXXBUY may provide to you under a separate
written agreement), and completely replaces any prior agreements between you and FLEXXBUY in
relation to the Services.
15.2 If any court of law, having the jurisdiction to decide on this matter, rules that any provision
of these Terms is invalid, then that provision or provisions will be removed from the Terms without
affecting the rest of the Terms. The remaining provisions of the Terms will continue to be valid and
enforceable.
15.3 This Agreement and your relationship with FLEXXBUY under the Terms shall be governed by the
laws of the State of Florida without regard to its conflict of laws provisions. You and FLEXXBUY
agree to submit to the exclusive jurisdiction of the courts located within St Lucie County, Florida
to resolve any legal matter arising from the Terms.
Notwithstanding this, you agree that FLEXXBUY shall still be allowed to apply for injunctive
remedies (or an equivalent type of urgent legal relief) in any jurisdiction. The parties hereto
agree that any claim, or any controversy under this Agreement will be resolved by binding
arbitration conducted in accordance with the Commercial Arbitration rules of the
American Arbitration Association, as such rules shall be in effect on the date of delivery of demand
for arbitration, which arbitration will be held in St Lucie County, Florida. Each party shall pay
the fees of its own attorneys, the expenses of witnesses and all other expenses connected with the
presentation of such party’s case, except that the arbitrators may impose all such fees, costs and
expenses otherwise payable by the prevailing party on the losing party if they determine that the
losing party’s position was taken without good faith or solely for the purpose of delay. The costs
of the arbitration including the cost of the record of transcripts thereof, if any, administrative
fees, and all other fees and costs, shall be divided equally between the parties, except that the
arbitrators may impose all such fees, costs and expenses otherwise payable by the prevailing
party on the losing party if they determine that the losing party’s position was taken without good
faith or solely for the purpose of delay. The arbitrators will be empowered to award damages in the
amount established by the preponderance of the evidence and in accordance with the terms of this
Agreement. The arbitrators will have no authority to award punitive damages or any other damages
not measured by the prevailing party’s actual damages, and may not, in any event, make
any ruling, finding or award that does not conform to the terms and conditions of the Agreement.
The arbitrators also will have the authority to grant any temporary, preliminary or permanent
equitable remedy or relief they deem just and equitable and within the scope of this Agreement,
including, but not limited to, an injunction or order for specific performance. Any award will be
final and binding upon the parties and their successors and permitted assigns. Any party may apply
to any court of competent jurisdiction for confirmation and entry of judgment based on the award of
the arbitrators.
15.4 Notices: Any notices required by this Agreement shall be directed via Mail and electronic copy
to those identified below:
Flexxbuy, LLC, 540 NW university Blvd, Ste 209 , Port St Lucie Fl 34986 Email:
info@flexxbuy.com
16. Fees and Settlement
16.1 Discount Fees: FLEXXBUY merchant fees vary per type of finance program, and is calculated based on the face or funded value of each successful transaction. Please reference to your selected participating finance program in your Merchant Application and this Agreement for the corresponding fees per Lending Program and promotional offerings.
16.2 Per Transaction Fee: If applicable, a Transaction Fee is charged per loan funded through the FLEXXBUY loan application platform. Fees are debited via ACH/Check Draft from the provided merchant checking account within 48 hours or the stated time frame as per the invoice for each funded loan. Please reference your selected participating finance program in your Merchant Application for the corresponding per transaction fees.
16.3 Settlement: a) For FLEXXBUY generated revolving and installment credit programs, the issuing lender will settle directly the amount of the purchase into the provided merchant checking account, minus the agreed discount fees. (Please refer to the corresponding bank contract for details). In addition, there may be a post funding fee charged by Flexxbuy. If applicable, fees are debited via ACH/Check Draft from the provided merchant checking account within 48 hours or the stated time frame as per the invoice for each funded loan or monthly lender statement. Please reference your selected participating finance program in your Merchant Application for the corresponding per transaction fees.

Payment Authorization:

Enrollment Fee and Minimum Monthly Subscription Fee: I authorize Flexxbuy LLC or its designated agent(s) (hereafter Flexxbuy) to transact and collect the amount indicated in the Merchant Agreement or separate Payment Authorization Form, if applicable, for the Enrollment/Setup Fee, upon approval of My Merchant Application using the method determined by you. I understand that this fee is non-refundable. I also authorize Flexxbuy to debit my checking account, as represented by the voided check you provide, for Program Fees and Post Funding Discount Fees as indicated in this Agreement and/or Merchant Application. This authorization shall remain in effect until Flexxbuy receives a 30-day written notification from me of intent to terminate in such manner as to afford Flexxbuy reasonable opportunity to act. I understand that Termination does not alter any amount due Flexxbuy through results achieved prior to termination and this Payment Authorization will remain in effect until such amount is paid in full. In addition, any consumer application submitted following termination through the Flexxbuy application process or through any lender arranged by Flexxbuy is an acknowledgment of a willingness to participate in the program until the next billing cycle or until which time there are no pending applications. Any changes, such as change in bank and/or bank account number will require a new voided check to be used for payment submitted to Flexxbuy 15 days prior to any change being implemented. I understand that this payment plan may be canceled by Flexxbuy due to non-sufficient funds (NSF). In the event my account does not have sufficient funds for the payment and the payment is returned, I will be liable to pay an NSF fee of $25 per occurrence (or the amount allowed by law) which may be automatically debited for each NSF or attached to the payment attempt made by Flexxbuy. I represent and warrant that I am authorized to execute this payment authorization for the purpose of implementing this payment plan. I indemnify and hold Flexxbuy and the bank(s) harmless from damage, loss or claim resulting from damage, loss or claim resulting from all authorized actions hereunder.

BY ACCEPTING AND SIGNING THIS AGREEMENT, YOU REPRESENT AND WARRANT THAT YOU HAVE ALL
NECESSARY AND REQUIRED APPROVALS AND ARE LEGALLY AUTHORIZED TO ENTER INTO SUCH AGREEMENT AND INTEND TO BE BOUND BY THE TERMS CONTAINED HEREIN.

I agree that Flexxbuy will collect a $299 one time enrollment/setup fee, payable upon approval into one of my selected Programs. In addition, Flexxbuy will collect a rebatable $59 subscription fee via ACH or check draft approximately 30 days after enrollment and every subsequent 30 day period (approximately) thereafter.

Rebate Program: (1)Client/Merchant will receive a $100 gift card upon funding of the first successful loan transaction through the Credit Select Plus Program.

(2) The subscription fees will accrue and upon funding of any loan through the Credit Select Plus platform, a rebate of all subscription fees paid and not previously rebated will be deducted from the 3.9% funding fee due Flexxbuy. Accrued subscrition fees are only applied toward funding fees and are non-refundable. Subscription fees are eligible for rebate as long as business remains an active Flexxbuy client in good standing.

The Rebate Program does not apply toward the Credit Select Plus Lay Away Program.

By submitting this application I will be completing the signing process and this application will be submitted for approval to Flexxbuy and/or it's partnered lenders. I agree to this electronic representation of my signature. I further understand that by completing this process, it will have the same legally binding effect as signing my signature using a pen and paper.*

With your finger or mouse, Merchant Representative sign here (if using a mouse, hold right click button when signing)